Couple questions that I have regarding Monzo

[harveywlong (Harvey Long)]

I turn 18 in August and I’m going away to Lanzarote in October with my girlfriend. After reading about Monzo, I’ve kept it bookmarked for the moment I turn 18 so I can immediately top up so its ready to go in October. However, I have a couple questions regarding Monzo and how it works.

• I’m currently a Natwest customer, so I’m guessing I can just transfer money directly from my bank to Monzo, or will I have to run it through PayPal for example?
• Will I be able to pay friends and family through the Monzo app if they don’t have a Monzo card?
• Is there a set limit to top up the card each time? I think I read somewhere I have to top up £100 minimum but not 100% certain on it.
• Once Monzo have current accounts etc. Will I be able to drop Natwest and use Monzo as my primary bank for everything I do on a day to day basis?

Although I haven’t actually got an account yet, I’m really looking forward to signing up and purchasing a card and using it abroad.

[alexs (Alex Sherwood)]

Welcome to the community Harvey

@harveywlong

I’m currently a Natwest customer, so I’m guessing I can just transfer money directly from my bank to Monzo, or will I have to run it through PayPal for example?

Yes you’ll be able to top up your Monzo account from your bank card or by bank transfer / standing order.

@harveywlong

Will I be able to pay friends and family through the Monzo app if they don’t have a Monzo card?

Unfortunately this won’t be possible until the current accounts launch.

@harveywlong

Is there a set limit to top up the card each time? I think I read somewhere I have to top up £100 minimum but not 100% certain on it.

You only have to top up £100 when you first order the card, after that, the minimum top up by card is £10 but you can use a bank transfer to top up smaller / more precise amounts.

@harveywlong

Once Monzo have current accounts etc. Will I be able to drop Natwest and use Monzo as my primary bank for everything I do on a day to day basis?

Yes you will, it’ll have all of the standard bank account functionality that you use with a bank like Natwest

I’ve put together a list of the functionality that’ll be available here -

What We Know About the Current Accounts & Debit Cards / FAQ (open Wiki)

As the launch of Monzo’s current accounts & debit cards gets closer, I expect there will be more & more posts asking about features & updates so I thought I’d create this Wiki to pull together all of the details that Monzo’s confirmed so far. This Wiki is only intended to cover features that are part of the current accounts & debit cards or features which can only be built once they launch. To see what’s changed after an update to this post (when it’ll appear at the top of the new / updated t…

[tommy5dollar (Tommy Long)]

@harveywlong

I’m going away to Lanzarote in October

Just to add, having been to Lanzarote a few weeks ago, Monzo worked great!

[harveywlong (Harvey Long)]

That’s great to hear, was a bit cautious at first but glad someone’s given me proof now that I don’t need to worry about it not working. Do they have a lot of contactless readers or did you just use chip and pin/swipe?

[harveywlong (Harvey Long)]

Sweet! Thanks for clearing that up for me, very quickly too!
Can’t wait for the app to progress further to current accounts!

[alexs (Alex Sherwood)]

It’d be great if you could create a Monzo in Lanzarote topic, to share your tips with other users

[anon44204028]

Yes. While there is the “Monzo in Spain [Wiki]” the “Monzo in Spain [Discussion]” thead has not yet beeb created